Axis Bank Debit Card Downgrade Possible?

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Deal Captain
Gaurav_G

I can see that if we open an Axis Bank ASAP account online, then the starting account variant is “DIGITAL EASY ACCESS SAVINGS ACCOUNT

This account has an annual debit card fees of ₹500 + GST (the debit card variant is called E-Debit Card)

My doubt is than can we later downgrade this debit card variant (E-Debit Card) to any other lower variant (Secure+ Debit Card having AMC ₹300 +GST) or anything else like Visa Classic?

Also the 1% cashback on all spends (running currently) is applicable on all transactions like wallet payments or cc loads?

Please share your inputs. Thanks smile

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Deal Cadet Deal Cadet
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In my experience it isn’t possible.

Deal Captain Deal Captain
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10ven wrote:

In my experience it isn’t possible.

Did you try?

What was their response regarding the same?

Deal Cadet Deal Cadet
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They refused to downgrade, instead offered the one with higher amc . Another option was upgrading to higher variant account, I think prime savings account. Even then the DC wasn’t free, had fee for it. Then I asked rupay variant DC as it has lowest amc which they refused saying that it comes with salary account kit. I blocked the card permanently. Don’t have axis bank DC anymore.

Deal Captain Deal Captain
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10ven wrote:

They refused to downgrade, instead offered the one with higher amc . Another option was upgrading to higher variant account, I think prime savings account. Even then the DC wasn’t free, had fee for it. Then I asked rupay variant DC as it has lowest amc which they refused saying that it comes with salary account kit. I blocked the card permanently. Don’t have axis bank DC anymore.

Thanks for replying

KG+ smile

Pro Blogger Pro Blogger
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10ven wrote:

They refused to downgrade, instead offered the one with higher amc . Another option was upgrading to higher variant account, I think prime savings account. Even then the DC wasn’t free, had fee for it. Then I asked rupay variant DC as it has lowest amc which they refused saying that it comes with salary account kit. I blocked the card permanently. Don’t have axis bank DC anymore.

Good, use only UPI smile

Soon, you can register for UPI or Reset UPI PIN without debit card details - https://www.desidime.com/discussions/good-news-...

@Gaurav_G

Blaze Blaze
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Same question for hdfc.? They offer millenia for 590 with 10K MAB online account

Deal Captain Deal Captain
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smz wrote:

Same question for hdfc.? They offer millenia for 590 with 10K MAB online account

Yes I ca personally confirm this for HDFC.

There is no restriction in HDFC of any time. You can go with ₹20 Rupay Platinum card as well as ₹750 Platinum Debit Card.

They are fully flexible in terms of this innocent innocent

Blaze Blaze
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Gaurav_G wrote:

Yes I ca personally confirm this for HDFC.

There is no restriction in HDFC of any time. You can go with ₹20 Rupay Platinum card as well as ₹750 Platinum Debit Card.

They are fully flexible in terms of this innocent innocent

But is their option for selecting debit card variant when we open account online?

Deal Captain Deal Captain
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smz wrote:

But is their option for selecting debit card variant when we open account online?

No however after its activated you can do anything

Deal Cadet Deal Cadet
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500+gst charges on dc … Axis chor hain.
Better go for millennia hdfc dc.

Deal Cadet Deal Cadet
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You can’t do anything with AXIS bank, they are chor, will try in anyway to squeeze money from your pocket. I visited branch and asked for RuPay card, they outward refused. Telling me lowest variant for my account is 500+gst dc, they even refused to give me 300+gst dc. However hdfc is very flexible bank.

Deal Cadet Deal Cadet
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I would suggest you do NOT open account with AXIS, better go for ICICI or any other private bank, there are many charges in the name of consolidated charges with AXIS bank. When I visited branch to close my account two other people also submitted account closure form.

Deal Newbie Deal Newbie
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smz wrote:

But is their option for selecting debit card variant when we open account online?

How did you downgrade? Through branch or net banking

Deal Lieutenant Deal Lieutenant
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saxena_ wrote:

How did you downgrade? Through branch or net banking

Downgrade in hdfc works through branch or selected variant through netbanking

Deal Newbie Deal Newbie
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bohemian wrote:

Downgrade in hdfc works through branch or selected variant through netbanking

Yeah, just checked..I have platinum debit card, only option it’s showing is platinum or millennia.. no option of rupay on NetBanking

Deal Cadet Deal Cadet
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saxena_ wrote:

Yeah, just checked..I have platinum debit card, only option it’s showing is platinum or millennia.. no option of rupay on NetBanking

For RuPay, you have to visit branch and ask them to issue. If they refuse to issue RuPay which is most likely they will then fill debit card form enter rupay code and drop it in nearest ATM. You won’t get RuPay dc through online. see full details here.

https://www.desidime.com/discussions/hdfc-bank-...

Mobile Guru Mobile Guru
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Mera comment ni pada tha kya jo trending gaya hai laughing
Axis…/…./…. pray joy joy

Deal Captain Deal Captain
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saxena_ wrote:

Yeah, just checked..I have platinum debit card, only option it’s showing is platinum or millennia.. no option of rupay on NetBanking

Print e-age banking form with code RRR01 and submit to nearest branch/drop in ATM

They did it without any questions asked for me smile

Deal Captain Deal Captain
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MrKool_JJ wrote:

Mera comment ni pada tha kya jo trending gaya hai laughing
Axis…/…./…. pray joy joy

Which one?

Deal Cadet Deal Cadet
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Close the debit & use UPI or net banking for online transactions. I did same, I had hdfc debit card having 599Rs annual fee. I don’t use debit cards for transactions. If you need cash transfer fund to your other bank account & withdraw.

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